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Loan interest rates are rising faster than expected.

As the US warns of a rate hike, we are immediately affected.

The fixed interest rate on collateralized loans from commercial banks has risen to a maximum of 6%.



This is reporter Im Tae-woo.



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Recently, domestic interest rates have fluctuated significantly.



This is because the Federal Reserve, the central bank of the United States, is expected to raise interest rates faster than expected and stronger than expected to catch inflation in the 7% range.



A member of the Fed who participated in the decision even argued that interest rates should be raised six times by 0.5 percentage points, for a total of 3 percentage points, within this year.



[James Bullard/St. Louis Federal Reserve Bank President: There is a calculation that the base rate should be raised to 3.5%.

Taylor's rule (the formula for calculating an appropriate interest rate) tells us that the interest rate should be at least this level with minimum assumptions.]



This is a warning that severe austerity is coming around the world, and the domestic financial market is responding immediately.



The fixed rate of mortgage loans at banks, which reflects the market trend, rose again to 6.2% in ten days after exceeding the peak of 6%.



In terms of credit loans, even the first grade, which has a high credit rating, exceeded 5%.



In order to increase lending, banks are lowering their share of additional interest rates in addition to market rates, but with little effect.



The Bank of Korea is also scheduled to hold an interest rate committee next week, and it is analyzed that the fixed loan interest rate may exceed 7% depending on the result.

[Yoon Yeo-sam / Researcher at Meritz Securities: Since Korea also saw inflation in the 4% range, the new government seems to be worried about price stability, and as the transition committee has already talked about it, the



activeness of monetary policy can be reflected this month as well.]



Nearly 80% of borrowers have floating rate loans, so the burden of rising interest rates is likely to be significant.



(Video editing: Kim Byung-jik)